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Primary Property View
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Tertiary Property View
Exceptional Property

138 ST. JAMES Street, Waterford

$1,349,000
4 Bedrooms
3 Bathrooms
2420 sqft

Property Highlights

Distinctive Features That Set This Property Apart

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Property Type

Single Family

Style

House

Year Built

1895

Square Footage

2420 square feet

Bedrooms

4 Bedrooms

Bathrooms

3 Bathrooms

Distinguished Features

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Property Overview

A Closer Look at This Distinguished Residence

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Often admired and now for sale after 22 years of loving care and enhancement. This 1895 stately century home presents a Victorian facade, architecturally updated in 1936, and features the touch of an avid gardener creating a horticultural showcase once featured in a garden show and news media. Trees, hedges and fencing create a private outdoor livi...

MLS Number

40761586

Listed By

Coldwell Banker Homefront Realty

Last Updated

Sep 9, 2025, 1:55 p.m.

Data Source

CREA

All information provided is deemed reliable but is not guaranteed and should be independently verified.
Agent's Insight

Property Specifications

Comprehensive Details of This Fine Residence

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Property Specifications

Property Type
Single Family
Architectural Style
House
Year Built
1895
Square Footage
2420

Interior Features

Basement
Unfinished, Full

Climate Control & Utilities

Heating System
Hot water radiator heat, Baseboard heaters
Air Conditioning
Ductless

Exterior & Surroundings

Exterior Construction
Brick
Foundation
Unknown

Additional Amenities

Washer, Refrigerator, Water softener, Hot Tub, Central Vacuum, Dishwasher, Stove, Dryer, Hood Fan, Window Coverings, Garage door opener, Microwave Built-in

Information deemed reliable but not guaranteed. Buyers should verify all property details.

Property Provenance

Historical Timeline of This Distinguished Address

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Property Timeline

Historical transactions and listing information

Property image
49
New
MLS# 40761586
List Date
Aug 19, 2025, 2:54 p.m.
List Price
$1,349,000
Property Type
Sale
Bedrooms
4
Bathrooms
3

Financial Planning

Tools to Help You Plan Your Investment

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Mortgage Financing Calculator

Calculate your monthly mortgage payments and visualize your investment over time.

$
300,000
$
20%
% p.a.

Monthly Payment

$0
Per Month
Mortgage Details
Loan Amount
$240,000
Total Interest
$0
Total Payments
$0
Loan-to-Value Ratio
80%
Total Number of Payments
360
Financial Insight

Your 20%+ down payment typically eliminates the need for private mortgage insurance, potentially saving you thousands over the life of your loan.

This calculator provides an estimate only. Your actual mortgage terms may vary based on credit history, lender requirements, and other factors.

Investment Cash Flow Analysis

Analyze your property's financial performance by tracking income and expenses to calculate net cash flow.

Total Income
$4,300/monthly
2 income sources
Total Expenses
$2,530/monthly
3 expense items
Net Cash Flow
$1,770/monthly
Positive investment return

Cash Flow Analysis

This property generates a positive cash flow of $1,770 per monthly. Consider reinvesting this surplus to enhance property value, build reserves for maintenance, or diversify your investment portfolio.

Income Sources

Rental Income
monthly
$3,500
Investment Returns
monthly
$800
Add New Income
$

Expense Items

Mortgage
monthly
$1,800
Property Tax
monthly
$450
Property Management
monthly
$280
Add New Expense
$
This calculator provides an estimate only. Actual investment returns may vary based on market conditions and unforeseen expenses.

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